Be careful with free opinions, however well intentioned they are.
There is indeed much to think about and these are perilous times we are entering. I am a great believer in "stacking and holding". Credit and inflation are going to kill the banking system. Write it down.
It all makes me glad that I am old! 👵😃
I do agree with you about that. Starting out now is a going-to-fail proposition.
Check this article showing what gold will buy in Venzuela today. It has more than held its value in purchasing power:
https://www.zerohedge.com/news/2018-08-27/10-shocking-photos-show-value-gold-currency-devaluations